We provide a straightforward, alternative insurance solution designed to fit the unique needs of social service organizations.
Hearten is a member-owned workers’ compensation captive created by and for social service organizations.
We provide a tailored alternative to traditional workers’ comp insurance, designed to meet the unique needs of agencies dedicated to helping others.
Our Mission
We offer a common-sense approach that is rooted in a deep understanding of alternative insurance solutions and offers a solution that’s right for you.
As a member-owned program, Hearten gives organizations more control over coverage and claims management, with profits potentially returned as dividends. Our focus on stability, cost-efficiency, and proactive risk management ensures your organization is protected while reducing exposure to unpredictable market fluctuations.
What Makes Us Different
Who We Are and What We Do
Developed by Organizations
We are a member-owned workers’ compensation captive program developed by organizations just like yours.
We Find the Right Fit
We address the specific needs of social services when traditional approaches might not be the best fit.
We Understand Alternatives
We offer a common-sense approach that is rooted in a deep understanding of alternative insurance solutions.
We are a member-owned workers’ compensation captive program.
We are licensed in MI, IN, KY, TN, PA, MD, DE, NJ, VT, NH, ME, CT, RI, AR, LA, MS, AL, GA, SC, NC, and VA.
Program Benefits
- Member-Owned Advantage – Members have a say in program decisions and enjoy potential dividends based on performance.
- Stable, Predictable Rates – Protect your organization from cyclical rate swings common in traditional insurance markets.
- Tailored Workers’ Comp Coverage – Designed specifically for social service organizations, addressing risks that standard policies may overlook.
- Proactive Claims & Risk Management – High-quality loss control, safety programs, and online tools to minimize claims and medical costs.
- Transparent Financial Reporting – Quarterly financial statements and monthly loss runs keep members informed.
- Long-Term Cost Savings – By focusing on loss prevention and program efficiency, members benefit from reduced claims costs over time.
Let’s Get Started
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